It's an interesting question. I'm not sure if I have a specific prescription for that problem.
Essentially, it's about our attitude toward risk in terms of our financial institutions and also the maturity of our things like private equity, these sorts of things. I think, at least when we compare ourselves to the United States, we don't have the same level of development in a lot of alternative forms of investment that our neighbours do to the south. I think essentially what we need to do is look at best practices in other jurisdictions that have been successful, not just the U.S. but also places like Finland, and try to assess what they're doing right and learn from their success and apply those successes to our particular situation.